A Silver Lining by Kerry Darlington

* Interest free credit agreements of 12 months or less are not regulated by the Financial Conduct Authority and are not subject to the jurisdiction of the Financial Ombudsman Service.

Finance is provided by Zopa Bank Limited, trading as DivideBuy. Lending is subject to your individual circumstances and satisfactory completion of Zopa Bank Limited’s credit checks. It is important that you do not take on more borrowing than you can afford. If you miss your repayments this may impact your credit rating and make it more difficult to obtain credit in the future. Lending is subject to Zopa Bank Limited’s terms and conditions.